<?xml version="1.0" encoding="ISO-8859-1"?><article xmlns:mml="http://www.w3.org/1998/Math/MathML" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance">
<front>
<journal-meta>
<journal-id>1665-5346</journal-id>
<journal-title><![CDATA[Revista mexicana de economía y finanzas]]></journal-title>
<abbrev-journal-title><![CDATA[Rev. mex. econ. finanz]]></abbrev-journal-title>
<issn>1665-5346</issn>
<publisher>
<publisher-name><![CDATA[Instituto Mexicano de Ejecutivos de Finanzas A.C.]]></publisher-name>
</publisher>
</journal-meta>
<article-meta>
<article-id>S1665-53462019000100057</article-id>
<article-id pub-id-type="doi">10.21919/remef.v14i1.359</article-id>
<title-group>
<article-title xml:lang="es"><![CDATA[Desarrollo de un modelo Logit para examinar el comportamiento del ahorro en la región centro de México, de acuerdo al perfil de los hogares]]></article-title>
<article-title xml:lang="en"><![CDATA[Development of A Logit Model to Examine the Behavior of Savings in the Central Region of Mexico, According to the Profile of Households]]></article-title>
</title-group>
<contrib-group>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Cruz León]]></surname>
<given-names><![CDATA[Adriana Helena]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Trejo García]]></surname>
<given-names><![CDATA[José Carlos]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Ríos Bolívar]]></surname>
<given-names><![CDATA[Humberto]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
</contrib-group>
<aff id="Af1">
<institution><![CDATA[,Instituto Politécnico Nacional  ]]></institution>
<addr-line><![CDATA[ ]]></addr-line>
<country>Mexico</country>
</aff>
<aff id="Af2">
<institution><![CDATA[,Instituto Politécnico Nacional  ]]></institution>
<addr-line><![CDATA[ ]]></addr-line>
<country>Mexico</country>
</aff>
<aff id="Af3">
<institution><![CDATA[,Instituto Politécnico Nacional  ]]></institution>
<addr-line><![CDATA[ ]]></addr-line>
<country>Mexico</country>
</aff>
<pub-date pub-type="pub">
<day>00</day>
<month>03</month>
<year>2019</year>
</pub-date>
<pub-date pub-type="epub">
<day>00</day>
<month>03</month>
<year>2019</year>
</pub-date>
<volume>14</volume>
<numero>1</numero>
<fpage>57</fpage>
<lpage>77</lpage>
<copyright-statement/>
<copyright-year/>
<self-uri xlink:href="http://www.scielo.org.mx/scielo.php?script=sci_arttext&amp;pid=S1665-53462019000100057&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://www.scielo.org.mx/scielo.php?script=sci_abstract&amp;pid=S1665-53462019000100057&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://www.scielo.org.mx/scielo.php?script=sci_pdf&amp;pid=S1665-53462019000100057&amp;lng=en&amp;nrm=iso"></self-uri><abstract abstract-type="short" xml:lang="es"><p><![CDATA[Resumen Esta investigación tiene como objetivo examinar el comportamiento del ahorro en hogares de la Región Centro de México (SEDATU, 2015) considerando su perfil socioeconómico. Se proponen perfiles del hogar (Cruz, 2017) utilizando árboles de decisión y se calcula la probabilidad de ahorro (ENIGH, 2014) con un modelo logit. En los resultados del modelo, se encontró que las variables son significativas y se determina la probabilidad del nivel de ahorro de los hogares. A diferencia de la LCH (Modigliani, 1963), se recomienda identificar perfiles de ingreso y gasto con una segmentación de la población más allá de grupos de edad del jefe de familia. En determinados grupos de edad se aprecia que los de menor escolaridad tienen una mayor proporción de hogares con posibilidad de ahorrar; este comportamiento se limita a una investigación posterior para estudiar el efecto de otras variables. El encuadre del entorno regional contribuye a analizar con un mayor nivel de especificidad el comportamiento de ahorro, de acuerdo al perfil del hogar. Finalmente, se muestra que, con las variables propuestas, aumenta la probabilidad de ahorro en el hogar.]]></p></abstract>
<abstract abstract-type="short" xml:lang="en"><p><![CDATA[Abstract The objective of this research is to examine the behavior of savings in households in the Central Region of Mexico (SEDATU, 2015) considering their socioeconomic profile. Household profiles are proposed (Cruz, 2017) using decision trees and the probability of saving is calculated (ENIGH, 2014) with a logit model. In the results of the model, it was found that the variables are significant and the probability of the saving level of the households is determined. Unlike the LCH (Modigliani, 1963), it is recommended to identify income and expenditure profiles with a segmentation of the population beyond the age groups of the head of the family. In certain age groups, it can be seen that those with less education have a higher proportion of households with the possibility of saving; this behavior is limited to a subsequent investigation to study the effect of other variables. The framing of the regional environment contributes to analyzing with a higher level of specificity the saving behavior, according to the household profile. Finally, it is shown that, with the proposed variables, the probability of saving at home increases.]]></p></abstract>
<kwd-group>
<kwd lng="es"><![CDATA[Ahorro]]></kwd>
<kwd lng="es"><![CDATA[Comportamiento]]></kwd>
<kwd lng="es"><![CDATA[Decisión]]></kwd>
<kwd lng="es"><![CDATA[Finanzas Personales]]></kwd>
<kwd lng="es"><![CDATA[E21]]></kwd>
<kwd lng="es"><![CDATA[D1]]></kwd>
<kwd lng="es"><![CDATA[C44]]></kwd>
<kwd lng="es"><![CDATA[D14]]></kwd>
<kwd lng="en"><![CDATA[Saving]]></kwd>
<kwd lng="en"><![CDATA[Behavior]]></kwd>
<kwd lng="en"><![CDATA[Decision]]></kwd>
<kwd lng="en"><![CDATA[Personal Finance]]></kwd>
<kwd lng="en"><![CDATA[E21]]></kwd>
<kwd lng="en"><![CDATA[D1]]></kwd>
<kwd lng="en"><![CDATA[C44]]></kwd>
<kwd lng="en"><![CDATA[D14]]></kwd>
</kwd-group>
</article-meta>
</front><back>
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